45318
Covington, Ohio.
Covington, Miami County, OH · Dayton-Kettering, OH metro · population 5,511
to buy the typical home at today's mortgage rate — +$708 (+129%) since Jan 2020.
- 1 year
- Up $6,058 +3%
- $233,690$239,748 since Sep 2025
- 5 years
- Up $57,682 +32%
- $182,066$239,748 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- 45318$1,258
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 13 years.
Typical home values in zip 45318 rose 2.6% over the past year — faster than the nation's +1.2%.
This zip spans 2 counties: Miami County, OH 99% · Darke County, OH 1%
School districts in 45318, by share of its land: Covington Exempted Village 41% · Bradford Exempted Village 27% · Newton Local 18% · Troy City 9% · Piqua City 3% · Milton-Union Exempted Village 1% · Franklin Monroe Local 1% · Versailles Exempted Village 1%. Which one a home is in is printed on its tax bill.
Zillow also publishes an index for the city itself: Covington, OH — measured over the city limits, which is a different area from this zip.
Typical home value — 45318
Mid-tier homes, smoothed and seasonally adjusted.
- 45318$239,748
- United States$366,157
Within 20 miles
Showing 30 of 33 zips in range — sorting picks from all 33.
| Miles sorted ascending, activate to sort descending | Zip activate to sort by Zip | City activate to sort by City | Population activate to sort by Population | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|---|
| 5.3 | 45359 | Pleasant Hill | 2,160 | — | $246,902 |
| 5.4 | 45308 | Bradford | 4,385 | — | $214,773 |
| 6.9 | 45356 | Piqua | 25,237 | $1,052 | $181,741 |
| 7.6 | 45328 | Gettysburg | 544 | — | $151,119 |
| 8.1 | 45363 | Russia | 1,862 | — | $359,689 |
| 8.3 | 45339 | Ludlow Falls | 1,057 | — | $332,770 |
| 8.4 | 45333 | Houston | 1,830 | — | $294,069 |
| 10.6 | 45373 | Troy | 37,565 | $1,422 | $281,887 |
| 10.8 | 45337 | Laura | 1,703 | — | $259,867 |
| 11.7 | 45380 | Versailles | 5,394 | — | $307,548 |
| 11.8 | 45383 | West Milton | 6,912 | — | $235,935 |
| 12.0 | 45358 | Pitsburg | 362 | — | $198,200 |
| 13.5 | 45304 | Arcanum | 7,599 | — | $245,864 |
| 14.0 | 45326 | Fletcher | 1,446 | — | $252,501 |
| 14.0 | 45845 | Fort Loramie | 3,429 | — | $348,450 |
| 15.0 | 45365 | Sidney | 28,965 | $1,439 | $217,532 |
| 15.2 | 45354 | Phillipsburg | 553 | — | $160,494 |
| 15.2 | 45312 | Casstown | 1,086 | — | $359,437 |
| 15.3 | 45388 | Yorkshire | 841 | — | $356,262 |
| 15.6 | 45331 | Greenville | 22,356 | $719 | $202,897 |
| 15.8 | 45322 | Englewood | 20,884 | $1,376 | $227,434 |
| 16.5 | 45351 | Osgood | 328 | — | $273,265 |
| 16.5 | 45371 | Tipp City | 22,865 | $1,786 | $349,685 |
| 17.1 | 45378 | Verona | 539 | — | $149,064 |
| 17.1 | 45303 | Ansonia | 2,188 | — | $188,104 |
| 17.3 | 45377 | Vandalia | 14,888 | $993 | $246,161 |
| 17.9 | 45317 | Conover | 1,187 | — | $227,746 |
| 18.0 | 45389 | Christiansburg | 708 | — | $158,089 |
| 18.4 | 45362 | Rossburg | 1,071 | — | $271,985 |
| 18.4 | 45865 | Minster | 5,522 | — | $344,469 |
Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.